Darul Iftaa Mahmudiyyah

Impermissibility of medical aid insurance schemes

· 1 Dhuʻl-Hijjah 1435 AH1 min readFatwa 30643English

Question

At the outset, thanx for answering my query on medical insurance cards. (Fatwa#: 30537). However, please note, i found the below fatwa from your fatwa bank where the query posed by the person is as same as mine. Here, you have permitted him to use the medical insurance card where as in my case,you have stated it as "impermissible". Please clarify. The below fatwa highlighted in yellow for your reference and starts below

http://askimam.org/public/question_detail/9817.html

Question

My company has issued me medical insurance card with which i can go to some designated hospitals for check up and i only have to pay 15sr for whatever the fee of the doctor and the rest is being paid by the insurance company. Is it permissible for me to use such card? Pls elaborate.

Answer

If you did not take out the medical insurance and the company has offered you the use of their medical insurance card, then you may do so.

and Allah Ta'ala Knows Best

Mufti Ebrahim Desai

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh

Fatwaa#30537 documents the general impermissibility of medical aid insurance schemes and does not refer to your specific situation since we are unaware of the medical aid insurance issued by www.tameen.ae. Kindly provide further clarity on www.tameen.ae in order for us to issue a specific ruling.

Furthermore we assumed that Fatwa#9817 refers to the scenario in which insurance is given to an employee of a non-Muslim company whereas the ruling could change if the insurance was issued by a Muslim company. Kindly advise if you are employed by a Muslim/non-Muslim company.

And Allah Ta’āla Knows Best

Ismail Desai,

Darul Iftaa

Checked and Approved,

Mufti Ebrahim Desai.

Answered by
Ismail Desai
View original Compare with other Darul Iftas
Questions about this ruling, answered only from the archive with sources.

Where scholars differ, it’s safer to take the more cautious view.

Fatawa SA is an independent, read-only index of fatawa already published by Darul Iftaa Mahmudiyyah. It is not a fatwa service. For your own situation, please ask a Mufti. Report an issue

For corrections or mistakes, please email us at fatawasa786@gmail.com.

Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/30643
Fatawa SA: https://fatawa.co.za/fatwa/askimam-30643

People also ask

Is insurance permissible?

“Life insurance policies are Haraam as it is based on interest, gambling and uncertainty (Gharar). Make Taubah and Istighfaar for your mother for engaging in Haraam dealings. There are severe warnings cited in the Mubarak…”

Ibn Masood · 392 fatawa from 7 Darul Iftas on this

What the Darul Iftas say
Is medical aid permissible?

“One is permitted to take benefit from an involuntary medical aid policy. The example of an involuntary medical aid policy is where an employer enforces the medical aid upon his employees with the employee having no choice in the…”

Ibn Masood · 69 fatawa from 6 Darul Iftas on this

What the Darul Iftas say

Related fatawa